Principal Software Engineer

Social Finance • San Francisco, CA

116d • $192,000 - $330,000

About The Position

We are seeking a Principal Software Engineer to join our FROST (Fraud, Risk, Operations and Support Technology) team in Seattle. This role will focus on architecting and building sophisticated fraud detection and anti-money laundering solutions using cutting-edge technologies and data-driven approaches to protect SoFi's members and business.

Requirements

• Bachelor's degree with 15+ years of experience, or Master's degree with 12+ years, or PhD with 8+ years.
• Extensive experience building fraud detection or AML solutions in financial services.
• Proven track record with real-time data processing, machine learning, and high-scale distributed systems.
• Deep understanding of financial crime patterns and regulatory requirements.

Nice To Haves

• Expert-level proficiency in programming languages suitable for high-performance financial systems.
• Deep experience with Apache Kafka, Apache Flink, and real-time event processing architectures.
• Hands-on experience with AWS SageMaker, Feature Store, and ML model deployment frameworks.
• Expertise in Snowflake, AWS DynamoDB, and time-series databases for fraud analytics.
• Experience with AWS Neptune and Gremlin for relationship analysis and investigation workflows.
• Experience with rule engines like Flowable, Camunda, or similar decisioning platforms.
• Proficiency with Apache Druid or similar OLAP systems for operational analytics.
• Experience integrating with fraud detection platforms like DataVisor, identity verification services, and risk data providers.

Responsibilities

• Design and implement advanced fraud detection systems using machine learning models, real-time streaming analytics, and complex event processing.
• Build comprehensive anti-money laundering solutions including transaction monitoring, customer due diligence (CDD), and suspicious activity reporting systems.
• Develop sophisticated risk scoring models leveraging Member360 unified data layer and advanced analytics capabilities.
• Build real-time data pipelines using Apache Kafka, Apache Flink, and AWS Kinesis for processing high-volume transaction streams.
• Implement ML models using AWS SageMaker, Feature Store, and the Batch Inference Framework for fraud and AML detection.
• Develop entity relationship analysis using AWS Neptune for investigating complex fraud patterns and money laundering networks.
• Build operational dashboards and investigative tools using Apache Druid for seconds-fresh fraud and AML analytics.
• Enhance and optimize SAFE (Security and Fraud Engine) and Flowable rule engines for sophisticated risk decisioning.
• Architect solutions integrating with fraud detection vendors like DataVisor, Socure, Transmit Security, and Early Warning System (EWS).
• Build comprehensive fraud and AML investigation platforms within SoFi Atlas for operational efficiency.

Benefits

• Base pay range: $192,000.00 - $330,000.00
• Eligible for a bonus and long-term incentives.
• Comprehensive and competitive benefits.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Industry: Religious, Grantmaking, Civic, Professional, and Similar Organizations
• Education Level: Bachelor's degree